A row of suburban homes All standard policies will include coverage for the structures of the home, personal belongings, liability and additional living expenses – in case an insured is unable to stay in their home for a bit as the result of a covered peril. Photo: romakoma/Shutterstock.com

Editor’s note: This column is part of PropertyCasualty360’s Foundations of P&C Insurance series, which aims to bring new insurance professionals up to speed, while keeping industry veterans sharp. On Fridays, PC360 will offer up fresh content covering the nitty-gritty details of P&C insurance, tips for professional development, articles looking at the industry’s more niche concepts, and the history of certain lines and programs.

Homeowners insurance can be a high-stress purchase, as customers want to ensure that they’re not only getting a fair rate from their insurer, but also coverage that will properly cover their assets.

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